honchos
A recent survey showed that while many banks have service charges on interest-bearing and non-interest-bearing accounts
with balances that are falling below a set minimum, some banks provide virtually free checking regardless of the account balance.
(A) with balances that are falling below
(B) whose balances fall below
(C) whose balances fall below that of
(D) that have balances falling below that of
(E) that have balances that fall below those of
simple present can show a state. a state exist before , in , and after speech time. the indefinite existence
in this context, we need a state "fall below".
if a state is shown in continuous present, this state exist for a short time
animals breath.
that animal is breathing. this mean the animal can stop breathing soon.
here, we dont want to say that the balance fall below a minimum number for a short time. we need to show a state existing a long time, but not a state existing for a short time. so, present continuous is not fit.